ENGINEERING RESEARCH PAPERS

mobile banking IEEE PAPER




Reshaping Bank Branch Networks due to Mobile Banking
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Abstract: Mobile banking has grown from 29% in 2012 to 43% in 2015 among US bank customers and is likely to keep growing due to a further increase in the adoption of smart phones, improvement in the quality of mobile banking apps, and increasing awareness of

A study on utility of mobile banking technology INDIA Tamil Nadu
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Abstract Mobile banking is a term used for performing balance checks, account transactions, payments, credit applications, loans to farmer households, time demand deposits transfer, third-party depository, customized message, account management, personal setting and

The Effect of Personal Information Security Attitude and Perceived Company Information Security Policy on Mobile Banking Acceptance
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Abstract This paper investigates how personal information security attitude or perceived information security policy to company influence to acceptance of the mobile banking service. We access consumer and business with either side, so we analyzed company

Mobile Technology in Banking Process
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Abstract: As millions of dollars have been exhausted on building mobile banking systems, reports show that potential users may not be using the systems, despite their availability, as they are not aware its benefits, uses and how they should depend and trusted it. The

A Study on Mobile Banking and its Impact on Customer's BankingTransactions: A Comparative Analysis of Public and Private Sector Banks in India
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Abstract In India, we have more than 900 million mobile users but still mobile banking is used by 40 million customers approximately. There can be various reasons behind this, such as need of active collaboration between banks and Telecom Company, lack of

Selection and ranking of perceived risk associated with mobile banking in West Africa: An AHP Approach from customers' perspective
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Abstract:Mobile Banking acceptance and usage has grown in recent times in most economies; however the risk and loss of privacy in the security system are part of the main issue discussed so far. Furthermore, in the high risk nation where there is the need to use

DroydSeuss: A Mobile Banking Trojan Tracker-Short Paper
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Abstract After analyzing several Android mobile banking trojans, we observed the presence of repetitive artifacts that describe valuable information about the distribution of this class of malicious apps. Motivated by the high threat level posed by mobile banking trojans and by

Physician's Behavioral Style Reshaping Mobile Banking Adoption
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Abstract Mobile banking provides convenient access to the banking services and mobility to health care professionals. Still, it faces many challenges in limited adoption which makes the mass usage uncertain. Behavior or personal characteristics of the individual play a vital

Impact of Dimensions of Mobile Banking on User Satisfaction
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Abstract Banks have changed from paper-based banking solutions provider to the latest of the technologies like mobile banking. Adoption of mobile-banking has received more attention in recent years, because there are more phones than computers in the market.

Handheld Cash Deposit and Withdrawal Mobile Banking Device
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Abstract: Now-a-days the need for banking system is increased in the rural areas. Facilities in the rural areas are not up to the level. So installation of an ATM in those areas is not easy. In order to avoid the inconvenience of the customers a handheld device for cash deposit

Factors Affecting Individuals to Adopt Mobile Banking In Kenya: A Case of Kenya Commercial Bank (KCB), Eldoret
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ABSTRACT The purpose of the study was to assess the factors affecting individual adoption of mobile banking technology in Kenya at Kenya Commercial Bank, Eldoret. This study was based on the model of IT adoption which was used as the theoretical framework. The

Mobile Technology on the Retail Banking Market
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Abstract: For the last few decades, the retail banking market has been influenced by many economic, political, legal, technological and social factors. Mobile technology has changed both the information and communication sharing, and customers' market behaviour. The

A New Secured Application Based Mobile Banking Model for Nigeria
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Abstract:This paper proposes a new secured application based mobile banking model for Nigeria, that utilizes the recently introduced Bank Verification Number (BVN) policy of the Central Bank based on a three level authentication mechanism: i. what the user knows (

THE ROLE OF MOBILE BANKING IN SERBIA
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Abstract: The aim of this paper is to provide the current situation of mobile banking implementation in Serbia. M-banking has changed the traditional business model which users are practiced in the use of banking services in the traditional manner. Mobile

Factors Affecting Consumer Perception Towards Mobile Banking
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Abstract The banks always try to provide the better services to their customers so that their customers can avail the services provided with less efforts and security of transactions. With the advancement of technology in the banking sector the banks always try to promote their

A STUDY ON MOBILE BANKING IN INDIA
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ABSTRACT Mobile banking is an electronic system that provides most of the basic services available in daily, traditional banking, but does so using a mobile communication device, usually a smart phone. In some cases, a welldeveloped mobile banking system can

Mobile Security for Banking on Android Platform
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ABSTRACT This paper discusses the proposal of protecting mobile banking applications on an Android platform. The mobile platform surpasses computers in its popularity in many aspects of ones daily routine. One of the basic feature is its connection to the internet and

The Effect of Service Quality of Mobile Banking Technology on Customer Brand Image
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Abstract: Banking is one of the Largest Financial Institution which constantly provides better Customer Services. To improve the Service Quality, Banking Services are expanded to Mobile Technology. This research study is based on random sampling and self-structured

Determinants of Adoption Behaviour Towards mobile Banking Services A Study of Indian Consumers
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ABSTRACT Mobile banking is a recent innovation in the telecommunication that have proven to be a boon for the banking sector and its customers: where customers interact with the bank through mobile phones and banks provide them the services like short message

A Review of Differenet Encryption Algorithems for Security of Mobile-Banking
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Abstract:Bank account hacking has caused millions money losses around the world. In addition, there is lots of obvious weakness in the banking system. It is important to achieve how the security aspects in a banking system can influence great lost to the financial

Mobile Banking Adoption and Challenges in Nigeria
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Mobile banking or m-banking is becoming a prominent feature in banking operations in Nigeria with more and more banks adopting this technology in order to provide the growing population of their customers with fast, accessible, reliable and quality services. The

Customers Perception on Security System in Mobile banking* P. Sailaja
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Abstract The emergence of E-Banking (Electronic Banking) changed the entire revolutionary concept thereby increased the usage widely leading to more innovation, development in banking technology. In which one of the major development in combination of E-

Secured Application Based Mobile Banking Model for Nigeria
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Abstract:This research proposes a secured application based mobile banking model for Nigeria, that utilizes the recently introduced Bank Verification Number (BVN) policy of the Central Bank and that is based on a three level authentication mechanism: i. what the user

M-Services in India: A Study on Mobile banking and applications
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Abstract India is one of the fastest growing countries in terms of mobile user. Now mobile phones are not only a medium of voice communication but also widely used for mobile services. Mobile based services or M-services are defined as electronic services that are

Resistance to Mobile Banking Adoption in a Developing Country: Evidence from Modified TAM Model
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Abstract: Mobile banking is an emerging concept with great potential but it is facing lower rate of diffusion. This study examines the perception and intention aspects of mobile banking adoption in Pakistan. Modified Technology Acceptance Model is used with the integration

SAVING FOR CHANGE MOBILE BANKING IN SENEGAL
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In 2005, in response to the challenge of 2.5 billion grown-ups worldwide lacking access to formal accounts at financial institutions, Oxfam America teamed up with Freedom from Hunger and the Str mme Foundation to launch Saving for Change (SfC). This grassroots

Resistance to Mobile Banking Adoption in a Developing Country: Evidence from Modified TAM
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Abstract: Mobile banking is an emerging concept with great potential but it is facing lower rate of diffusion. This study examines the perception and intention aspects of mobile banking adoption in Pakistan. Modified Technology Acceptance Model is used with the integration

Promote Mobile Banking Services by using National Smart Card Capabilities and NFC Technology
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Abstract By the mobile banking system and install an application on the mobile phone can be done without visiting the bank and at any hour of the day, get some banking operations such as account balance, transfer funds and pay bills did limited. The second password

EVALUATION OF EXPERIENCE REGARDING THE USE OF MOBILE BANKING: AN APPLICATION ON ACADEMICS
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Abstract: Today, technology the gradually increasing competitive conditions trigger and play role in its development is of course intensively used in banking sector as well. By means of technology, quickly, easily, and cheaply presentation of banking services to consumer

Mobile Banking Acceptance by the Customers in Iranian Banks
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Abstract One of the most brilliant features of today's world is the changes in environment and expectations of the customers which influences all aspects of the business including the banking industry. Increasing flow of mobile penetration ratio in the world (also in Iran),

ADOPTION OF MOBILE BANKING IN SAUDI ARABIA: AN EMPIRICAL EVALUATION STUDY
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ABSTRACT This study explores the adoption of mobile banking practices in Saudi Arabia. It focuses on the existence of sufficient infrastructure, and the possible challenges that m- banking services may face. Also, discovers the potential opportunities in the country. A

Mobile Banking as Enabling and Constraining Financial Inclusion in Pakistan-A Theoretical Perspective.
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Abstract This paper provides a theoretical framework for exploring the role of new technologies for 'banking'the poor via mobile banking (m-banking) for financial inclusion in developing countries. It extends the literature beyond previous studies that examined m-

Factors affecting the adoption of mobile banking services
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Abstract This paper focuses on defining the factors influencing mobile banking adoption and aims at forming a model describing consumer behaviour patterns. Thus it also evaluates the applicability of Rogers'(1995) model in this context. In consequence we are able to state

Mobile phone technology in banking system: Its economic effect
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Abstract: Globally, various initiatives use the mobile phone to provide financial services to those with or without access to traditional banks. This paper outlined vividly the use of mobile phone in the banking industry, its economic implications, and in general a

Expanding the financial services frontier: Lessons from mobile phonebanking in Kenya
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A large proportion of households in developing countries lack access to financial services, which impedes economic growth and development. A large body of evidence shows that access to financial services, and indeed overall financial development, is crucial to

Factors affecting Malaysian mobile banking adoption: An empirical analysis
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Abstract This empirical study aims to investigate the factors that influence Malaysians' intention to adopt mobile banking by extending the renowned framework of Technology Acceptance Model (TAM). A self-administrated questionnaire had been developed and

An efficient model to improve customer acceptance of mobile banking
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Abstract:During the last ten years technological development has reshaped the banking industry, which has become one of the leading sectors in utilizing new technology on consumer markets. Today, mobile communication technologies offer vast additional value

Mobile phone banking: Usage experiences in Kenya
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Abstract The uptake of mobile phones in Kenya has been unprecedented. Of vital significance is the rapid absorption of mobile based banking services. This trend of continued reliance on mobile devices to execute monetary transactions is steadily gaining

Capturing the promise of mobile banking in emerging markets
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Financial services for the unbanked are among the most promising opportunities for mobile- telecom operators hoping to counter slowing subscription growth with auxiliary offerings, such as banking, health care, and education services. In emerging markets, formal

Mobile money: cell phone banking in developing countries
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Though mobile phones were once viewed as a luxury item, their recent rise and worldwide penetration has been remarkable.[6] In 1999, only 8 percent of the world population had mobile phone subscriptions.[7] By 2007, 49 percent were mobile phone subscribers.[8]

Mobile banking in India: Practices, challenges and security issues
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ABSTRACT The increased prevalence of mobile phones provides exciting opportunities for the growth of mobile banking (m-banking). This paper reviews the emerging research literature on mbanking. It presents a classification framework for m-banking research

Toward an Understanding of the Mediating Role of" Trust" in Mobile BankingService: An Empirical Test of Indonesia Case.
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Abstract: Mobile banking has been considered to be one of the most value-added and important mobile services currently available. Considering the fact that the penetration of this technology is undefined well, particularly in developing country, this study clarified the role

Inuence of Demographic Factors on the Adoption Level of Mobile BankingApplications in Jordan
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Abstract: The number of mobile users around the world is continuously growing; the users look to benefit from the freedom afforded without the need for cables, time and place. Demographic factors, trust and security have an effect on the usage of mobile applications

Cash in hand: why Africans are banking on the mobile phone
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If money is an economy's lifeblood, improving its circulation plays a critical role. Many Africans living in rural areas, for instance, rely on money sent home by members of their family who work in towns and cities. But getting that cash to a village that could be

Mobile Banking Commerce and Related Issues
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1.1'Commerce'is the trading of 'something'of value between two entities. That 'something'may be goods, services, information, money, or anything else the two entities consider to have value. Trading was the main facility in earlier times with barter facility for

Customer's perceived value to use mobile banking services
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Abstract-Perceived value is a subjective concept that differs among bank customers. Although a number of factors have been suggested as important to understand mobile banking usage, very little attention has been given in literature to exactly what constitutes

Security of mobile banking
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ABSTRACT Mobile banking is attractive because it is a convenient approach to perform remote banking, but there are security shortfalls in the present mobile banking implementations. This paper discusses some of these security shortfalls, such as security

Mobile banking as technology adoption and challenges
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ABSTRACT If technological revolution is at its peak, one of the notable sectors of the economy where technology is at it helm of affairs with respect to customer service is BANKING. Over the years, banking has transcended from a traditional brick-and mortar

Issues Challenges in Mobile Banking In India: A Customers' Perspective
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Abstract Mobile banking is a revolution that is driven by the world's one of the fastest growing sectors mobile communication technology. Like in any emerging technology, there exist barriers to the adoption of mobile banking services. This study explores the issues in

A study of mobile and internet banking service: applying for IS success model
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Understanding success factors in electronic banking is important to helping banks succeed. In this study, we extend DeLone and McLean's IS success model to the electronic banking by adding trust as a success variable. We tested the extended model by comparing

Facilitating Cross-Border Mobile Banking in Southern Africa
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The use of mobile banking in Southern Africa is widely recognized as an increasingly important component of national and regional economic development. Mobile banking can benefit countries in two key ways. First, mobile banking can allow faster and more efficient

Emerging Trends on Functional Utilization of Mobile Banking in Developed Markets in Next 3-4 Years
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During this decade starting 2000, Mobile Banking advanced from mere providing basic text messaging services to that of pseudo Internet Banking while customers could not only view the Balances, set up multiple types of alerts, but also transact activities such as Fund

Factors influencing the adoption of mobile banking with special reference to Pune City
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In the 1990s, the banking sector in India saw greater emphasis being placed on technology and innovation. Banks began to use technology to provide better quality services to their customers and at greater speed. Technological advancement allowed them to offer

Characterising the users of mobile banking: a distinct group of online customers
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Abstract The rapid pace of technological development has created opportunities for different kinds of online services. In the financial services sector the exploitation of online service technology is one of the most advanced and adoption rates are high. Some of the most

Mobile Banking Technology Options
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Created with initial funding from the United Kingdom's Department for International Development, FinMark Trust is an independent trust, which supports and promotes institutional and organisational development towards the objective of increasing access to

Mobile banking: An emerging issue in bangladesh
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Abstract There are around 160 million people in Bangladesh, of which only 13 percent have bank accounts where as more than 95 percent are mobile phone users. Banks can now offer the banking services to rural and unbanked population through mobile phone. Mobile

Trust and initial acceptance of mobile banking in Pakistan
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Abstract This paper focuses on the risks influencing the initial adoption of mobile banking in Pakistan. Results of this study indicate that risk perception, derived from eight different facets, is a salient antecedent to innovative technology acceptance. A quantitative survey

Mobile Banking stages a remarkable come back
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As a latest study by Chair of International Management at University of Hamburg (UHH) reveals, Mobile Banking is slowly but surely showing signs of a healthy recovery not only in Germany but worldwide. The study titled THE MOBILE COMMERCE PROSPECTS:

Taking Banking Services to the People: Equity's Mobile Banking Unit
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Executive Summary Equity Building Society is a unique institution, which faced with virtual bankruptcy in 1992, has turned around into a very successful microfinance institution. A key element within this turnaround has been a demonstrated commitment to providing

Value creation in mobile banking
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Abstract The convergence of the Internet and mobile networks creates new opportunities and applications. Treating mobile business as simply an extension to the traditional web could result in missing out unique differentiated qualities for new value-added possibilities

Effects of Mobile Banking on the Savings Practices of Low Income Users-The Indian Experience
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Abstract In 2011, sixty-five percent of India's population did not have access to a bank account (Global Findex 2011). India has the second largest financially excluded poor in the world with more than half of its population considered as financially underserved At the

Security of mobile banking: Secure SMS banking
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Abstract Mobile banking is a new scheme for bank customers to perform banking transactions. There are many different types of mobile banking. This paper describes the security shortfalls of the current mobile banking solution and it analyses the possible

Factors influencing the usage of mobile banking: Incident from a developing country
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The study has been conducted to investigate the factors that influence the users of banking services to use mobile banking in Bangladesh. A self-administrated questionnaire had been developed and distributed among the clients of two full fledged mobile banking service

Consumer choice model of mobile banking
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Abstract Research in the adoption of mobile banking (m-banking) has not offered a comprehensive explanation of low demand for the service. This paper proposes a theoretical model to account for the explanations of the consumer's choice whether to